~ Estate Planning:

Customized strategies to help maximize benefits for heirs

~ Wealth Transfer:

Strategies to help minimize / eliminate estate transfer taxes

~ Insurance Review Program:

Helps determine if there’s a less expensive way to meet insurance needs

~ Self-Financed Life Insurance:

Designed to provide substantial death benefit with no out-of-pocket cost

~ Life Settlements:

Allows insured to receive a cash payment for unwanted / outdated policies

~ Gifting Strategies:

Charitable & non-charitable

~ Estate Liquidity Planning:

Strategies to help provide liquidity for estate & other “death” taxes

~ Longevity Management:

Strategies to help protect against outliving assets & income

~ Insurance Needs Analysis:

Helps identify, quantify & prioritize insurance needs

~ Life Insurance:

Term, permanent, variable & equity-indexed products

~ Universal Life:

Allows insured to change coverage as needs change

~ Survivorship Life:

Insures two lives … pays upon death of second to die

~ Disability Income:

Replaces wages lost due to disability

~ Business Continuation /

   Transition Planning:

Buy / sell funding

~ Deferred Compensation:

Tax-effective strategy to help accumulate additional funds for retirement

~ Key Employee Protection:

Helps to protect company from economic impact of losing a key employee

~ Executive Bonus Program:

Tax-advantaged strategy to help reward & retain key employees

~ Business Interruption Insurance:

Helps to provide funds for business overhead expenses

~ Disability Income:

Helps provide wages lost due to disability

~ Retirement Programs:

See below

~ Financial Planning:

Customized strategies based on individual needs

~ Retirement Programs:

Qualified & non-qualified

~ 412(i) Program:

Defined benefit pension plan that helps to maximize tax deductions

~ Annuities:

Fixed, variable & equity-indexed

~ Mutual Funds:

Multiple options

~ Spousal Pension Plan:

Combines life insurance & retirement funding for non-working spouse

~ Education Funding Programs:

College funding strategies

~ Long Term Care:

Covers expenses for in-home and facility care; protects against dissipating assets